Lendus.

Catering Equipment Finance

Spread the cost of catering equipment from £2,000 to £150,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£2k – £150k

Approval Speed

24–48 hours

Same-day for < £25k

Rates From

From 5.8% APR

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Finance options

Hire Purchase (HP)

Rate
From 6.2% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Caterers wanting to own equipment outright

Finance Lease

Rate
From 5.8% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate
From 6.5% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Upgrade equipment regularly. Off balance sheet.

Representative example

Borrow £25,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£520. Total amount payable: ~£24,960. Rates depend on your circumstances.

Popular models

Model Price Range Type
Rational iCombi Pro 10-1/1 £12,000 – £18,000 Combi Oven
Williams Jade HJ2-SA £2,500 – £4,000 Double Door Fridge
Falcon Dominator Plus G3101 £3,500 – £6,000 Commercial Range
Winterhalter PT-L £8,000 – £14,000 Pass-Through Dishwasher

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Tax benefits

Catering equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one — up to £1,000,000. HP allows capital allowances. Lease payments are fully deductible.

Market context

The UK foodservice equipment market is worth £2.4bn annually. Over 180,000 hospitality businesses operate in the UK. Energy-efficient kitchen equipment can reduce utility bills by 30–40%.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Our eligibility check uses a soft search only — no impact on your credit score.

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Frequently asked questions

Can I finance used catering equipment?
Yes. Most lenders finance used catering equipment up to 5 years old in good condition. Reconditioned items from authorised dealers get the best rates.
What deposit do I need?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit. Larger deposits reduce monthly payments.
How quickly can I get catering equipment finance?
Most applications are approved within 24–48 hours. For deals under £25k, same-day approval is common.
Can I finance a full kitchen fit-out?
Yes. Most lenders allow you to bundle all kitchen equipment into a single finance agreement. This often secures better rates than financing items individually.

Guides and resources

Ready to finance your catering equipment?

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